let's not kid ourselves, that obama has a miraculous way of bending the health care curve. that's just nonsense. >> adam, then, do you feel guilty? >> every day, neil, not because of this. (laughter) >> that's good, that's good. >> i enjoyed the cool brands that we had an opportunity to show at the beginning of the segment. and what we didn't talk about is that this affects about 3% of universal orlando's 17,000 employees that they-- the other 97% they're continuing to cover. at the end of the day-- and ben is right. you should take advantage of a subsidy when you can. at the end of the day, we'll cover tens of millions of more americans than were being covered before and i suspect-- >> but we're not at that point. >> we're not at that point and those who have their coverage, including, i suspect, those full-time workers at universal studios who will continue having that coverage, they're paying through the nose for it. and my daughter as an example. her premiums have gone through the roof. and she's not a wall street banker, she works with kids and it's going through the r